Macy's Credit Card

Synchrony Pending

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Benefits

0

Reward Categories

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Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: macys-credit-card

Issuer: Synchrony

Card Name: Macy's Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 18:14

Last Scraped: Feb 05, 2026 13:14

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: Macy's Star Rewards Points

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x at Macy's (Platinum tier), 2x at Macy's (Gold tier), 1x at Macy's (Silver tier). For Macy's American Express: 2x at Supermarkets, Restaurants, Gas Stations.

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: Star Money expires 30 days after issuance. Points expire if there is no account activity for 12 months.

Point Value: 0.01¢

Travel Portal Multiplier: 0x

Transfer Partners: N/A

Redemption Penalties: Star Money cannot be used for gift cards, services, or some leased departments.

Benefits & Protections (Detailed)
No Card Benefits Available

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Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: N/A
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.99%

Balance Transfer APR: 0%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 months or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 740
Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: The Macy's Credit Card (issued by Synchrony) is primarily designed for use at Macy's stores and macys.com. Eligibility requirements for 2026 are expected to remain consistent with current standards: applicants must be at least 18 years old (19 in AL/NE), possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and be a U.S. resident. Approval is subject to creditworthiness, with Synchrony typically performing a soft pull initially, followed by a hard pull upon acceptance. The primary 'bonus rule' for new applicants is generally an initial discount (e.g., 20% off) on purchases made on the day of approval or within a short introductory period, up to a maximum dollar amount. Store-specific restrictions apply, meaning benefits and promotions are almost exclusively tied to Macy's purchases.

Max Cards Per Issuer: 5

Min Spend Interval: The initial discount offer is typically applied to purchases made on the day of account opening or within the first 1-2 days, rather than a traditional spend interval over several months.

Shutdown Risk Triggers: Common triggers for Synchrony account review or shutdown include: high cumulative credit limits across multiple Synchrony accounts, excessive returns relative to purchases, suspected fraudulent activity, failure to make timely payments, abuse of promotional offers, or significant changes in credit profile indicating increased risk. While manufactured spending is less common for a store card, any attempt to exploit system loopholes could also be a trigger.

Cliff Effect Rules: The Macy's credit card program features a loyalty tier system (Silver, Gold, Platinum) based on annual spending at Macy's. Reaching higher tiers unlocks additional benefits like free shipping, Star Money bonuses, and exclusive offers. The 'cliff effect' occurs when a cardholder's annual spending drops below the threshold for their current tier, resulting in a downgrade and loss of associated benefits for the following year.

Special Events: Macy's is renowned for its frequent sales events and promotional periods, including: Friends & Family Sales, One Day Sales, Black Friday/Cyber Monday, Memorial Day Sale, Labor Day Sale, President's Day Sale, and various seasonal clearance events. Cardholders often receive early access or additional discounts during these periods.

Holiday Promos: Key holiday promotional periods include: Valentine's Day (February), Mother's Day (May), Father's Day (June), Back-to-School (July-August), Halloween (October), Thanksgiving Week/Black Friday/Cyber Monday (November), and the entire December holiday shopping season leading up to Christmas and New Year's.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Excellent rewards and discounts for frequent Macy's shoppers, easy to get approved, special financing options available.

Top Negative:
High interest rates, limited use outside Macy's, mixed customer service experiences, frequent credit limit increases without request.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Capital One SavorOne Cash Rewards Credit Card
  • Discover it Cash Back

Card Value Score: 65.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 2023-10-01